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I think, at the end of the year, if you picked your team right, you'd have a pretty good shot at a profitable business. And if it fails? Well, good news, you can do it all over again. 40 times. And still have $5 million left. [2]

Notes:

[1] Actually, I'd fund my current startup (launching in April), or maybe scale up one of my existingbusinesses first. Your idea doesn't matter as much as your team, but if you don't happen to have a good idea already, you could do a lot worse than building a competitor to an existing, profitable business.

[2] More than enough money to give seed funding to every Y Combinator startup since 2005.